Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance prices for a Mercury Mariner are $808 every 12 months including full coverage. Comprehensive costs around $132, collision insurance costs $160, and liability costs around $380. Liability-only insurance costs as low as $428 a year, and high-risk driver insurance costs around $1,728. Teen drivers cost the most to insure at up to $3,260 a year.
Average premium for full coverage: $808
Policy rates for type of insurance:
Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Mariner trim levels.
Price Range Variability
For a driver in their 40's, Mercury Mariner insurance rates range from the cheapest price of $428 for basic liability insurance to a much higher rate of $1,728 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down average Mercury Mariner insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $497
- Using higher $1,000 deductibles will save about $66 every year
- The average price for a good driver age 40 using $500 deductibles is $808
- Choosing more expensive low deductibles for physical damage coverage increases the price to $934
- Drivers with multiple violations and an at-fault accident could pay at least $1,728
- Policy cost to insure a teen driver with full coverage can be $3,260 or more
Auto insurance rates for a Mercury Mariner also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $200 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $3,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 138% more than average. View High Risk Driver Rates
Your home state has a huge impact on Mercury Mariner insurance prices. A driver around age 40 might see rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,150 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $730 | -$78 | -9.7% |
| Alaska | $620 | -$188 | -23.3% |
| Arizona | $670 | -$138 | -17.1% |
| Arkansas | $808 | -$0 | 0.0% |
| California | $920 | $112 | 13.9% |
| Colorado | $770 | -$38 | -4.7% |
| Connecticut | $828 | $20 | 2.5% |
| Delaware | $912 | $104 | 12.9% |
| Florida | $1,006 | $198 | 24.5% |
| Georgia | $746 | -$62 | -7.7% |
| Hawaii | $580 | -$228 | -28.2% |
| Idaho | $546 | -$262 | -32.4% |
| Illinois | $602 | -$206 | -25.5% |
| Indiana | $608 | -$200 | -24.8% |
| Iowa | $542 | -$266 | -32.9% |
| Kansas | $764 | -$44 | -5.4% |
| Kentucky | $1,102 | $294 | 36.4% |
| Louisiana | $1,194 | $386 | 47.8% |
| Maine | $498 | -$310 | -38.4% |
| Maryland | $666 | -$142 | -17.6% |
| Massachusetts | $642 | -$166 | -20.5% |
| Michigan | $1,402 | $594 | 73.5% |
| Minnesota | $676 | -$132 | -16.3% |
| Mississippi | $966 | $158 | 19.6% |
| Missouri | $716 | -$92 | -11.4% |
| Montana | $866 | $58 | 7.2% |
| Nebraska | $636 | -$172 | -21.3% |
| Nevada | $968 | $160 | 19.8% |
| New Hampshire | $582 | -$226 | -28.0% |
| New Jersey | $902 | $94 | 11.6% |
| New Mexico | $712 | -$96 | -11.9% |
| New York | $850 | $42 | 5.2% |
| North Carolina | $464 | -$344 | -42.6% |
| North Dakota | $662 | -$146 | -18.1% |
| Ohio | $554 | -$254 | -31.4% |
| Oklahoma | $826 | $18 | 2.2% |
| Oregon | $740 | -$68 | -8.4% |
| Pennsylvania | $770 | -$38 | -4.7% |
| Rhode Island | $1,076 | $268 | 33.2% |
| South Carolina | $732 | -$76 | -9.4% |
| South Dakota | $680 | -$128 | -15.8% |
| Tennessee | $704 | -$104 | -12.9% |
| Texas | $974 | $166 | 20.5% |
| Utah | $598 | -$210 | -26.0% |
| Vermont | $552 | -$256 | -31.7% |
| Virginia | $482 | -$326 | -40.3% |
| Washington | $624 | -$184 | -22.8% |
| West Virginia | $740 | -$68 | -8.4% |
| Wisconsin | $556 | -$252 | -31.2% |
| Wyoming | $718 | -$90 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $774 | $65 |
| Mercury Mariner Premier 2WD | $790 | $66 |
| Mercury Mariner AWD | $790 | $66 |
| Mercury Mariner Hybrid 2WD | $916 | $76 |
| Mercury Mariner Premier AWD | $806 | $67 |
| Mercury Mariner Hybrid AWD | $932 | $78 |
Rates assume 2005 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $162 | $222 | $402 | $922 |
| 2009 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2008 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2006 Mercury Mariner | $144 | $168 | $384 | $832 |
| 2005 Mercury Mariner | $132 | $160 | $380 | $808 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Mercury Mariner Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a review of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $90 per year just by shopping early and online
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $920 more every year for Mariner insurance
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Teens are expensive to insure, with premiums being up to $272 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,260 |
| 20 | $1,838 |
| 30 | $818 |
| 40 | $808 |
| 50 | $742 |
| 60 | $726 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $934 |
| $250 | $878 |
| $500 | $808 |
| $1,000 | $742 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $808 |
| 50/100 | $1,021 |
| 100/300 | $1,133 |
| 250/500 | $1,423 |
| 100 CSL | $1,066 |
| 300 CSL | $1,311 |
| 500 CSL | $1,490 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,582 |
| 20 | $2,926 |
| 30 | $1,742 |
| 40 | $1,728 |
| 50 | $1,652 |
| 60 | $1,636 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $40 |
| Multi-vehicle | $43 |
| Homeowner | $14 |
| 5-yr Accident Free | $48 |
| 5-yr Claim Free | $50 |
| Paid in Full/EFT | $28 |
| Advance Quote | $34 |
| Online Quote | $54 |
| Total Discounts | $311 |
Discounts are estimated and may not be available from every company or in every state.
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